For flexible airline transfers and 14 annual lounge visits, Citi Prestige is a strong premium option from AED 30,000 salary. For Etihad flyers, ADCB or FAB Etihad Guest Infinite earns direct miles. For Emirates flyers, ENBD Skywards Infinite or Liv Cashback with miles conversion may fit better.
Best Travel Credit Cards in the UAE
Top UAE travel credit cards compared: Citi Prestige, ENBD Voyager Elite, ADCB/FAB Etihad Guest Infinite — miles, lounges, FX markup, and welcome bonuses.
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CITIBANK
Citi Prestige Credit Card
≈ AED 18,862 potential value / year · incl. perks
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
14 lounge visits/year
4 Careem airport rides/year
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Etihad Guest Infinite Credit Card
≈ AED 15,742 potential value / year · incl. perks
Welcome Bonus: 60,000 Etihad Guest Miles
Up to 3 Etihad Guest Miles per 1 USD
Up to 4 class upgrade vouchers
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Traveller Credit Card
≈ AED 20,880 potential value / year · incl. perks
10% Cashback on airline tickets
10% Cashback on hotel stays
1.5% Cashback on all domestic spends
MASHREQ BANK
Mashreq Solitaire Credit Card
≈ AED 12,256 potential value / year · incl. perks
Welcome Bonus: AED 2,500
6 points per AED on international purchases
Unlimited Fitness First Visits
Best Travel Credit Cards in the UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 1,575 | AED 30,000 | Premium travel card — 14 Mastercard Travel Pass visits, concierge, and ThankYou Points convertible to airline miles |
 | AED 1,575 | AED 25,000 | Top ENBD travel tier — up to 12 Voyager Miles per AED 1, fast-track, visa services, golf and cinema perks |
 | Free | AED 12,000 | Free-for-life Voyager card — strong miles earn rate with broad accept |
| Premium | AED 25,000 | Etihad Guest Miles earner with bonus on Etihad flights and Infinite tier benefits |
 | Premium | AED 25,000 | FAB's Etihad Guest Infinite — similar to ADCB's variant with different signup bonuses |
| AED 1,575 | AED 20,000 | Travel cashback card with 14 Mastercard Travel Pass visits, one guest per visit, and no bank FX surcharge |
| AED 1,575 | AED 25,000 | Metal card with unlimited lounges, concierge, and strong welcome cashback |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 1,575 | AED 30,000 | Premium travel card — 14 Mastercard Travel Pass visits, concierge, and ThankYou Points convertible to airline miles |
| AED 1,575 | AED 25,000 | Top ENBD travel tier — up to 12 Voyager Miles per AED 1, fast-track, visa services, golf and cinema perks |
| Free | AED 12,000 | Free-for-life Voyager card — strong miles earn rate with broad accept |
| Premium | AED 25,000 | Etihad Guest Miles earner with bonus on Etihad flights and Infinite tier benefits |
| Premium | AED 25,000 | FAB's Etihad Guest Infinite — similar to ADCB's variant with different signup bonuses |
| AED 1,575 | AED 20,000 | Travel cashback card with 14 Mastercard Travel Pass visits, one guest per visit, and no bank FX surcharge |
| AED 1,575 | AED 25,000 | Metal card with unlimited lounges, concierge, and strong welcome cashback |
Citi Prestige Credit Card
Annual feeAED 1,575
Min. salaryAED 30,000
HighlightPremium travel card — 14 Mastercard Travel Pass visits, concierge, and ThankYou Points convertible to airline miles
ENBD Voyager World Elite Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
HighlightTop ENBD travel tier — up to 12 Voyager Miles per AED 1, fast-track, visa services, golf and cinema perks
ENBD Voyager World Credit Card
Annual feeFree
Min. salaryAED 12,000
HighlightFree-for-life Voyager card — strong miles earn rate with broad accept
ADCB Etihad Guest Infinite Credit Card
Annual feePremium
Min. salaryAED 25,000
HighlightEtihad Guest Miles earner with bonus on Etihad flights and Infinite tier benefits
FAB Etihad Guest Infinite Credit Card
Annual feePremium
Min. salaryAED 25,000
HighlightFAB's Etihad Guest Infinite — similar to ADCB's variant with different signup bonuses
ADCB Traveller Credit Card
Annual feeAED 1,575
Min. salaryAED 20,000
HighlightTravel cashback card with 14 Mastercard Travel Pass visits, one guest per visit, and no bank FX surcharge
Mashreq Solitaire Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
HighlightMetal card with unlimited lounges, concierge, and strong welcome cashback
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
- Get 20% back as noon credits when you spend on noon food
- Get 5% back as noon credits when you spend on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
Why choose Travel Credit Cards in the UAE
1.
Direct airline miles vs flexible points
Etihad Guest Infinite (ADCB/FAB) and Skywards Infinite (ENBD) earn airline-specific miles. Citi Prestige earns ThankYou Points convertible across multiple airlines — better if you don't fly exclusively with one carrier.
2.
Lounge access models differ
Citi Prestige includes 14 annual visits through Mastercard Travel Pass; other cards may use Priority Pass, Visa Airport Companion or an issuer-specific programme. Visit caps, guests and activation rules vary by card.
3.
FX markup is the hidden travel cost
Most UAE credit cards charge 2-3.5% FX markup on foreign currency purchases. Some travel cards offer reduced or zero FX markup — check the rate sheet before assuming travel-card status means low FX cost.
7 cards in the UAE
CITIBANK
Citi Prestige Credit Card
- Salary: AED 30,000+
- Annual Fee: AED 1,575
- 10,000 bonus points annually post payment of annual fee
- 3 Points on non-AED spends
- 2 Points on local spends
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Etihad Guest Infinite Credit Card
- Salary: AED 40,000+
- Annual Fee: AED 2,625
- Welcome Bonus: 60,000 Etihad Guest Miles
- Up to 3 Etihad Guest Miles per 1 USD
- Up to 4 class upgrade vouchers
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Infinite Credit Card
- Salary: AED 30,000+
- Annual Fee: AED 2,625
- Bonus: Up to 200,000 Etihad Guest Miles
- 7.5 Etihad Miles per AED 10 spent
- Fast track to Etihad Gold membership.
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Traveller Credit Card
- Salary: AED 20,000+
- Annual Fee: AED 1,575
- 10% Cashback on airline tickets
- 10% Cashback on hotel stays
- 1.5% Cashback on all domestic spends
MASHREQ BANK
Mashreq Solitaire Credit Card
- Salary: AED 25,000+
- Annual Fee AED 1,500 +5% VAT
- Welcome Bonus: AED 2,500
- 6 points per AED on international purchases
- Unlimited Fitness First Visits
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 12,000–40,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 12,000–40,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best Travel Credit Cards in the UAE
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